Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking)

Factors Affecting the Use of Islamic E-Wallets in Indonesia: A Technological Perspective

Dikdik Saleh Sadikin — 2025-12-22

The study aimed to examine the causal relationship among those variables, entitled the factors influence on e-wallet Islamic platform in Indonesia. The object of the study was customers of e-wallet digital payment with the target respondents who were in the territory of Indonesia. The data collection method in this study used an online survey or questionnaire with the SmartPLS 3.0 application tool. Analysis of the effects on the e-Wallet Digital Finance uses a Structural Equation Model (SEM) with Partial Least Square (PLS) approach. PLS is a components or variants-based structural equation model. PLS is a powerful method analysis because it is not based on assumptions, so the data does not have to follow standard distribution, and the sample size also doesn’t have to be large. The research results can be illustrated that Islamic e-wallets can be optimized through the Customer-Based Corporate Reputation Dimension; Perceived Risk; Perceived Value, and the Customer Product Adoption Proneness. From the Islamic e-wallet research result shows that Perceived Risk has no effect on Perceived Value and Perceived Risk becomes lower when the Customer-Based Corporate Reputation Dimension is well improved. These results can be advantaged for Islamic e-wallet to be introduced and recommended to wider society as the save e-wallet with lower risk.

The Influence of Information Technology, Organizational Culture, and Digital Competence on Worker Job Satisfaction in the Special Region of Yogyakarta

Nargadias Fatra — 2025-12-22

Advances in information technology, adaptive organizational culture, and employee digital competence are important factors in determining the level of job satisfaction in the digital era. The purpose of this study is to examine how employee work satisfaction in the Special Region of Yogyakarta (DIY) is impacted by digital competency, organizational culture, and information technology. This study used a quantitative approach with an accidental sampling technique, resulting in a total of 101 respondents from both the private and non-private sectors. Data were collected through a Google Form-based questionnaire and analyzed using the Partial Least Square–Structural Equation Modeling (PLS-SEM) method using SmartPLS 3.0 software. The results show that information technology has a positive and significant effect on job satisfaction, organizational culture has a favorable and large impact on job satisfaction, and job contentment is positively and significantly impacted by digital competence as well. Thus, the effective implementation of information technology, a positive organizational culture, and improving employee digital competence have been proven to make a significant contribution to increasing job satisfaction. Organizations are expected to strengthen a conducive work culture and develop continuous digital competence training to support employee productivity and well-being in the era of digital transformation.

The Influence of Service Quality and Employee Performance on Customer Satisfaction at the Contact Centre Unit of PT. Astra Honda Motor Jakarta

Istiyani Susriyati — 2025-12-22

In today’s competitive business landscape, service quality and employee performance are critical determinants of customer satisfaction, especially within contact centre environments. This study investigates the simultaneous impact of service quality and employee performance on customer satisfaction at PT Astra Honda Motor’s (AHM) Contact Centre. Using a quantitative approach with descriptive and verificative methods, data were collected from 100 customers who interacted with the Contact Centre between October 2024 and January 2025. The research employed a structured questionnaire with a 5-point Likert scale and analyzed data using SPSS version 25. Results from the t-test show that both service quality and employee performance have a significant and positive partial effect on customer satisfaction. Furthermore, the F-test confirms their simultaneous influence, with a coefficient of determination (R²) of 0.214, indicating that 21.4% of the variance in customer satisfaction can be explained by the two variables. These findings are supported by previous studies and emphasize the importance of responsiveness, reliability, competence, and communication in enhancing customer experience. The study concludes that improving service delivery and empowering employees are essential strategies for increasing customer satisfaction and fostering loyalty in competitive service-driven industries like

Menghindari Merek: Pengaruh Negative Electronic Word of Mouth (NEWOM) dan Perceived Brand Betrayal pada Produk Serum Azarine

Isnatul Agil Kinanti — 2025-12-22

Penelitian ini bertujuan untuk menganalisis pengaruh Negative Electronic Word of Mouth dan Perceived Brand Betrayal terhadap Brand Avoidance pada produk serum Azarine. Metode penelitian yang digunakan adalah metode kuantitatif. Data dikumpulkan dari 110 responden menggunakan kuesioner yang disebarkan secara online menggunakan proposive sampling kepada konsumen serum Azarine. Data kemudian dianalisis menggunakan pendekatan SEM-PLS dilakukan dengan bantuan softwere Smart-PLS. Penelitian menunjukkan hasil bahwa Negative Electronic-Word of Mouth memiliki pengaruh positif dan signifikan terhadap Brand Avoidance dengan koefisien parameter sebesar 0.155 dan nilai signifikansi p-value sebesar 0.010. Hal ini juga berlaku pada variabel Perceived Brand Betrayal yang memiliki pengaruh positif dan signifikan terhadap Brand Avoidance dengan koefisien parameter sebesar 0.721 dan nilai signifikansi p-value sebesar 0.000. Temuan ini mengindikasikan bahwa paparan NEWOM dan perasaan dikhianati oleh merek berpengaruh kuat dalam menciptakan perilaku konsumen untuk menghindari merek.

Pengaruh Budaya Organisasi, Gaya Kepemimpinan, dan Work Life Balance terhadap Employee Engagement Pegawai Generasi Y dan Z dalam Meningkatkan Kinerja di Bank XYZ

Saryo — 2025-12-22

This study examines the impact of organizational culture, leadership style, and work-life balance on employee performance at Bank XYZ, with employee engagement as a mediator. The sample consists of 125 permanent employees from Generation Y and Z working at the head office in Jakarta and regional offices. An online questionnaire was used to collect primary data, and Structural Equation Modeling (SEM) with Partial Least Squares (SEM-PLS) was employed for analysis. The results indicate that organizational culture, leadership style, and work-life balance significantly influence employee engagement and performance. This study provides insights into the factors that drive employee performance in the banking sector, particularly among younger generations. The findings have implications for Bank XYZ's human resource management strategies, highlighting the importance of fostering a positive organizational culture, effective leadership, and work-life balance to enhance employee engagement and performance.

Peningkatan Turnover Intention Berdasarkan Kepemimpinan, Kepuasan Kerja, Kompensasi dengan Keterikatan Kerja sebagai Variabel Intervening (Studi Kasus pada Generasi Muda di PT XXX)

Paulina Harun — 2025-12-22

This study aims to analyze the influence of leadership, job satisfaction, and compensation on work engagement and turnover intention in the younger generation at PT. XXX. In an era of dynamic workforce, understanding the factors that influence engagement, and turnover intention is important for organizations in retaining potential employees. This study uses a quantitative approach with the Partial Least Square - Structural Equation Modeling (PLS-SEM) analysis method through the SmartPLS 3.0 application. Respondents in this study consisted of 175 young employees aged 21–30 years who work at PT Bank Syariah Indonesia. This study found that leadership, job satisfaction, and compensation have a positive effect on work engagement. Work engagement has also been shown to have a negative effect on turnover intention. However, leadership does not have a significant effect on turnover intention, either directly or indirectly. Interestingly, job satisfaction and compensation actually show a positive effect on turnover intention. In addition, work engagement does not mediate the relationship between leadership, job satisfaction, and compensation on turnover intention. This finding emphasizes the importance of adaptive and personal retention strategies in dealing with the dynamics of young generation motivation. The most compelling implication of this study is that high levels of job satisfaction and compensation do not necessarily guarantee a low desire to leave among young employees. This highlights the importance for companies to go beyond fulfilling financial and comfort-related needs, by also providing meaningful challenges, opportunities for personal development, and space for self-actualization that align with the characteristics and expectations of the younger generation.

Analysis Of Factors Influencing Timeliness In Submission Of Company Financial Reports In Manufacturing Companies In The Consumer Goods Industry Sector On The Indonesia Stock Exchange

Sparta — 2025-12-22

The purpose of this research is to test and analys the effect of leverage (DER), liquidity (Current Ratio), company age, and company size on the timeliness of financial reporting among manufacturing companies in the consumer goods sector, specifically in the food and beverage subsector, listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. A total of 150 sample data were obtained from secondary sources in the form of annual financial reports of food and beverage sector companies listed on the IDX for the period 2019-2023. The testing method in this research used logistic regression analysis, supported by the SPSS software version 30.0. Based on the logistic regression analysis, the results show that leverage and liquidity variables have a significant negative impact on the timeliness of financial reporting, while company age and company size variables do not affect the timeliness of financial reporting.

Seberapa Besar Sustainability Report dan Debt to Asset Ratio Mempengaruhi Risiko Financial Distress? Peran Ukuran Perusahaan Sebagai Moderasi

Muhammad Rizki Rahmansyah — 2025-12-22

This study aims to evaluate the impact of sustainability reports and the debt-to-asset ratio (DAR) on the risk of financial distress in energy sector companies in Indonesia. Firm size is used as a moderating variable, while gross domestic product (GDP) and interest rates serve as control variables. The study sample consists of 28 energy companies listed on the Indonesia Stock Exchange (IDX) from 2017 to 2023, with a total of 105 observations. The analysis was conducted using panel data regression. The findings indicate that sustainability reports do not significantly influence financial distress. Conversely, DAR has a significant positive effect, indicating that the greater the proportion of debt to assets, the higher the risk of financial distress. Firm size does not strengthen or weaken the relationship between sustainability reports and financial distress, but plays a role in mitigating the negative impact of DAR on the risk. GDP and interest rates do not show a significant effect. The main limitation of this study lies in the variability and incompleteness of sustainability reports across companies. These findings highlight the importance of debt management and company scale in managing financial risk in the energy sector.

The Impact of CSR Disclosure on Firm Financial Performance: The Mediating Role of Competitive Advantage in Indonesia's Manufacturing Sector

Dewa Krisdianto — 2025-12-22

This study examines the effect of Corporate Social Responsibility Disclosure (CSRD) on the financial performance of manufacturing companies in Indonesia, with competitive advantage as a mediating variable. The background of this research lies in the increasing importance of CSR as a strategic tool to enhance corporate value and sustainability in a highly competitive business environment. A quantitative approach with panel data regression was applied to 285 firm-year observations of companies listed on the Indonesia Stock Exchange from 2019 to 2023. Financial performance was measured using Return on Assets (ROA), Return on Equity (ROE), and Earnings per Share (EPS), while CSRD was assessed based on the Global Reporting Initiative (GRI) guidelines. Competitive advantage was measured through reputation and innovation. Data analysis was performed using Stata MP 17 to ensure efficient processing of large-scale panel data. The results show that CSRD has a consistently positive effect on all indicators of financial performance. However, the mediating role of competitive advantage reveals a negative direction, indicating that the benefits of CSR have not been fully converted into short-term financial gains. These findings reinforce the relevance of the Resource-Based View (RBV) in developing countries and emphasize the importance of managing CSR strategically to create sustainable competitive advantages.

The Mediating Role of E-Customer Satisfaction on PLN Mobile Application Users: An Analysis of the Influence of E-Service Quality and E-Trust on E-Customer Loyalty

Rafif Nugroho — 2025-12-22

This study aimed to analyze the influence of E-Service Quality and E-Trust on E-Customer Loyalty, with E-Customer Satisfaction as a mediating variable. This research was motivated by a phenomenon gap at PLN UP3 Yogyakarta, where massive digital promotions coexisted with persistent customer complaints, and a research gap concerning the inconsistent findings on the direct influence of E-Service Quality and E-Trust on E-Customer Loyalty. This study used a quantitative approach with a sample of 132 PLN Mobile users in the PLN UP3 Yogyakarta area, selected via purposive sampling. Primary data were collected via online questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The research findings showed that E-Service Quality and E-Trust had a non-significant effect on E-Customer Loyalty. Meanwhile, E-Service Quality and E-Trust had a significant impact on E-Customer Satisfaction, and (H5) E-Customer Satisfaction had a significant impact on E-Customer Loyalty. This finding proved that E-Customer Satisfaction acted as a full mediator (full mediation). The implication was that the loyalty of PLN Mobile users in Yogyakarta could not be built directly by service quality or trust, but must instead be achieved through customer satisfaction as the primary bridge.